5 Best Naples Homeowners Insurance Companies (2025)
Security First, USAA, and Nationwide offer some of the best homeowners insurance policies in Naples, Florida.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Table of contents
Homeowners in Naples, Florida, pay an average of $9,228 per year for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. This is significantly more expensive than the national average of $2,532 for the same coverage. This might be due to the high hurricane risk in the area and Florida’s no-fault insurance system.
Fortunately, you can still find an affordable home insurance policy in Naples by shopping around and comparing multiple companies.
Here’s what you need to know about home insurance coverage on the Paradise Coast.
Quick Facts
Security First Insurance, Florida Peninsula Insurance, and American Integrity Insurance offer the cheapest home insurance in Naples.
On average, homeowners pay $4,462 per year for a Naples home insurance policy with $300,0000 in dwelling coverage and a $500 deductible.
Home insurance rates in Naples are higher than in Orlando and Jacksonville but lower than in Miami, Hollywood, and Port Saint Lucie.
Best home insurance companies in Naples
A number of leading homeowners insurance companies serve Naples homeowners. But the ideal home insurer for you depends on your particular budget and insurance needs. To simplify your search, here are five of the best home insurance companies in Naples.
Security First Insurance: Best for cheap rates
Security First Insurance is one of the largest home insurance companies in Florida. Compared to the other insurers in Florida, it offers the lowest premiums. The insurer is MarketWatch’s No. 1 pick for hurricane protection. The company also has a Premier homeowners (HO-5) policy for Naples homeowners with homes valued between $500,000 and $2.5 million.
Pros
Many coverage options
Discounts for wind-mitigation features
4.3 out of 5-star rating on Google
Cons
No bundling discounts
No AM Best financial strength rating
Poor Better Business Bureau (BBB) reviews
USAA: Best for veterans
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 737 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $146/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $206/mo |
About 1,700 veterans call Naples home, according to U.S. Census Bureau data. If you’re a veteran in the city or part of the military community, you might land a good deal and special discounts on home insurance coverage through USAA. Even its standard policy comes with personal property replacement cost coverage, which covers damage to your possessions.
Pros
Extra benefits for military members
Contractor network for repairs
Standard coverage includes identity theft protection
Cons
Available only to military personnel and their families
Doesn’t offer guaranteed replacement coverage
Fewer discounts than some other insurers
Nationwide: Best for homeowners in gated communities
NationwideCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $223/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $339/mo |
Naples has many gated communities with luxury homes, such as the National Golf and Country Club, the Isles of Collier Preserve, and Fiddler’s Creek. If you live in one, Nationwide home insurance should be on your radar. Nationwide offers a specific gated community discount as well as a smart home discount.
Pros
Many discounts available
Agents in Naples
Offers free or discounted smart devices to prevent electrical fires
Cons
Policies not available online
No 24/7 customer service
Below-average J.D. Power customer satisfaction rating
American Integrity: Best for seasonal residents
If you’re one of the million seasonal “snowbird” residents in Naples, a home insurance policy from American Integrity might make sense. The insurance company offers rental and seasonal dwelling coverage, which is more affordable than a traditional policy. Plus, you can increase your savings with discounts, such as secured community, retiree, or protective device discounts.
Pros
Many add-ons and bundle options
Agents in Naples
Special coverage for newer homes
Cons
Not rated for customer satisfaction by J.D. Power
Poor Trustpilot rating
Quotes not available online
Citizens Property Insurance Corporation: Best for people who don’t qualify for other coverage
Citizens Property Insurance Corporation was specifically created for homeowners who have difficulty obtaining coverage elsewhere. The company offers a depopulation program that helps protect otherwise uninsurable homes from significant rate hikes.
Pros
Covers homes that may not be insurable by other companies
Available stand-alone wind coverage
24/7 online and phone claims reporting
Cons
Higher-than-average premiums
Must work with an agent to finalize coverage
Property needs to meet certain criteria
Our editorial team analyzed regional and national home insurance companies that sell policies in Naples to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Naples?
The average cost of home insurance with $300,000 in dwelling coverage in Naples is $9,228 per year for a policy with a $1,000 deductible and $4,462 per year for a policy with a $500 deductible.
Statewide, Florida homeowners pay an average of $5,640 per year for a policy with a $1,000 deductible and $2,727 per year for a policy with a $500 deductible.
Several factors influence how much you pay for coverage, including your desired coverage level, the size and location of your home, the value of your personal belongings, and your deductible amount.[1]
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Cheapest home insurance companies in Naples
We did the heavy lifting for you to uncover the cheapest home insurance companies in Naples. See their average annual premiums in the table below.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| State Farm | $3,576 |
| Nationwide | $4,116 |
| Allstate | $9,576 |
| Chubb | $14,040 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| State Farm | $6,420 |
| Nationwide | $9,132 |
| Allstate | $22,992 |
| Chubb | $33,384 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| State Farm | $8,652 |
| Nationwide | $13,080 |
| Allstate | $34,356 |
| Chubb | $46,668 |
The state of home insurance in Florida
Florida home insurance is in a state of crisis. The Sunshine State’s severe weather events, like hurricanes and tropical storms, along with inflation, fraudulent claims, and a high volume of lawsuits, are all contributing factors.
As a result, Florida has the highest home insurance premiums in the U.S. Insurify data predicts that the average annual cost for Florida homeowners coverage will likely increase to $15,460 by the end of 2025.
In response to the risky nature of homeownership in the state, plus the recent surge in hurricane-related claims, major insurers like Progressive, Farmers, and AAA have scaled back underwriting or exited the state completely. Policy non-renewals are common, and 70% of Florida homeowners have experienced rising insurance costs or coverage changes.
How much homeowners insurance do you need in Naples?
To determine how much homeowners insurance you need for your Naples residence, consider the following common types of home insurance coverage:[2]
Dwelling coverage: This type of insurance pays to repair or rebuild your home’s structure plus attached structures, such as your garage, deck, or porch. To find your ideal dwelling coverage amount, multiply the total square footage of your property by the per-square-foot building costs in Naples.
Personal property insurance: This coverage protects your personal possessions, like your clothing, electronics, and furniture, when they’re stolen or damaged after a covered loss. A home inventory can help you calculate the amount of coverage you need.
Liability insurance: If someone gets injured on your property, liability insurance may cover legal fees and damages. It can save you thousands of dollars in out-of-pocket costs.
Additional living expenses (ALE) coverage: Commonly referred to as loss of use coverage, ALE helps pay for temporary living expenses, like hotel accommodations and meals, if you can’t live in your home following a covered loss.
Good to Know
While some types of coverage amounts are simple to calculate, it’s generally a good idea to check with your agent, insurance company, or mortgage lender to see how much coverage is required.
What to know about home insurance in Naples, FL
As a Naples homeowner, be sure to familiarize yourself with a few risks and natural disasters that might affect your property, including:
Hurricanes
Like other parts of Florida, Naples is prone to hurricanes. Standard home insurance policies usually cover damage from strong winds and storms, but not damage from flooding.
Storm surge
Storm surge is a possibility in Naples. Standard home insurance won’t usually pay for floods, but you can buy a separate flood insurance policy from a private insurance company or the National Flood Insurance Program (NFIP).
Extreme heat
In 2023, Naples had 53 days with at least two hours of a heat index of 105 F or higher. Most other cities in South Florida had between 30 and 50 days of the same weather. Heat waves may wreak havoc on your home, but home insurance is unlikely to reimburse you for your damages, as insurers consider this normal wear and tear.
Home insurance coverage for hurricanes and flooding
Since Naples is susceptible to floods, windstorms, and hurricanes, it’s essential to have adequate protection from these natural disasters. In most cases, standard home insurance policies don’t cover flood damage, even if it’s from a storm surge.
You may want to consider buying a separate flood insurance policy if you live in an area that’s prone to flooding. You can buy a policy through the NFIP or a private insurer.
Generally speaking, standard Florida homeowners insurance covers hurricane damage. And plans often include a separate hurricane deductible for hurricane-related damage.[3]
How to get home insurance in Naples
Follow these steps to lock in a homeowners insurance policy in Naples:
Calculate your ideal insurance amount. Do the math to figure out how much home insurance you’ll need. Be sure to consider a standard policy plus any additional coverages, such as flood insurance and guaranteed replacement cost coverage.
Choose a deductible. Your deductible is what you’ll owe out of pocket before your policy kicks in and covers the rest. Deductibles vary by insurance company, but a higher deductible typically means lower premiums. In Florida, you may also have a separate hurricane deductible.
Gather property details. Note when your home was built, its square footage, the type and age of your roof, the safety devices you have, and other important information about the property you’d like to insure. This will simplify the research and application process.
Shop around. Do your research and get home insurance quotes from at least three different companies. You can work with an insurance agent or use an insurance-comparison tool to help you out.
Explore the FAIR Plan. If you live in Naples and have been denied coverage from private insurers due to the high-risk nature of your home, you may qualify for a Fair Access to Insurance Requirements (FAIR) plan. Visit FMAP.org to find out whether this is an option for you.
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Average cost of home insurance in other cities in Florida
Your location, down to the ZIP code, plays a role in your home insurance quote because weather, crime rates, and proximity to fire stations vary. For example, if you live in an area with a high hurricane risk, you’ll pay more for coverage.
The table below shows how rates in Naples compare to those in other Florida cities.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Tallahassee | $3,156 |
| Gainesville | $3,180 |
| Ocala | $3,516 |
| Jacksonville | $3,600 |
| Deltona | $4,596 |
| Orlando | $4,608 |
| Lakeland | $4,716 |
| Tampa | $5,460 |
| Crestview | $5,556 |
| Palm Bay | $6,276 |
| North Port | $6,492 |
| Pensacola | $6,636 |
| Cape Coral | $7,716 |
| Naples | $9,228 |
| Port Saint Lucie | $11,880 |
| Miami | $13,740 |
| Key West | $20,172 |
Naples home insurance FAQs
Below, you’ll find answers to common questions about home insurance policies in Naples, Florida.
On average, a home insurance policy in Naples costs $9,228 per year for $300,000 in dwelling coverage and a $1,000 deductible. Naples is susceptible to hurricanes and flooding, so you may also want to invest in flood insurance through the NFIP or a private insurer.
State Farm offers the lowest rates for home insurance in Naples. Its average monthly premiums are $385 for a policy with $300,000 in dwelling coverage.
The best home insurer in Naples depends on your unique budget, home type, risk tolerance, and personal preferences. If you’re a veteran, for example, USAA might be a solid fit. But if you’re struggling to qualify for coverage, Citizens Property Corporation might make more sense.
Per the 80% rule, the home insurance company will pay for the damage only if your insurance coverage is at least 80% of your home’s total replacement value. If the amount of coverage is less than 80%, the insurer will only reimburse you an amount proportional to the minimum you should’ve purchased.
No. It’s not difficult to lock in home insurance coverage in Naples. You can work with a home insurance agent or use an online comparison tool to find the right policy for your unique budget and situation.
The average cost of flood insurance in Naples is $885 per year, based on ZIP code data from the Federal Emergency Management Agency (FEMA). Note that your premium will depend on whether you go through a private insurance company or the NFIP.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Sources
- National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
- Insurance Information Institute. "What is covered by standard homeowners insurance?."
- Florida Department of Financial Services. "Florida's Hurricane Deductible."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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